<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037833100</cusip>
			<value>479</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOYA CAPITAL HGH DVD YLD ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>26922B840</cusip>
			<value>388</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>31200</Sole>
				<Shared>100</Shared>
				<None>31100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOYA CAPITAL HOUSING ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>26922A230</cusip>
			<value>1269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39774</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>39774</Sole>
				<Shared>37223</Shared>
				<None>2551</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>458140100</cusip>
			<value>289</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7712</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7712</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>478160104</cusip>
			<value>273</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1540</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>594918104</cusip>
			<value>525</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2044</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2044</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>742718109</cusip>
			<value>220</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1532</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
